Applications / Mortgage Analytics / Lenders / Maryland / Peake Federal Credit Union
Towson, MD · Credit union · NCUA · $523 million assets · 62 loans in 2025
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62
loans originated, 2025
94
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peake Federal Credit Union is a home-improvement lender: two-thirds of its 62 loans in 2025 were for home improvement, and its volume fell 29%.
Home improvement made up 66.1% of its loans and purchases only 1.6%. Its typical loan was $75,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). Its typical rate was 5.75%, against 6.75% for peers, lower than at about nine in ten of them.
It reported 15 loans in 2020, then grew to 98 by 2023. Since then it has shrunk, to 87 in 2024 and 62 in 2025. The 29% fall came while similar lenders grew 7% and the market 10%, a steeper drop than at about nine in ten of them. Its rise had been just as sharp, so the fall may in part be a return toward its earlier size.
21.0% of its loans went to majority-minority neighborhoods, against 9.6% at peers, and 22.6% to low- and moderate-income (LMI) neighborhoods, against 17.4%. Its largest market is Baltimore-Columbia-Towson, MD, where it has lent since at least 1990 but holds a share too small to register, ranking 285 of 592.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peake Federal Credit Union took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 66.1% · Refinance 21.0% · Other 11.3% · Purchase 1.6%
Conventional 100.0% · of 62 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Maryland | 57 | 91.9% |
| Pennsylvania | 3 | 4.8% |
| Delaware | 2 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baltimore-Columbia-Towson | 54 |
| York-Hanover | 2 |
| Chambersburg | 1 |
| Frederick-Gaithersburg-Bethesda | 1 |
| Hagerstown-Martinsburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XO2MXF3RX56J09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 329587 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515394 | 1990–2017 |
Established 1 January 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Peake Federal Credit Union's data.
Peake Federal Credit Union's data
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Peake Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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